Who pays when a tree falls on your house?

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If a tree falls in the woods and nobody's there, it really doesn't matter.

If that tree falls on your house or garage – well, that's serious.

Karl Newman with the Northwest Insurance Council says your homeowners policy will cover the damage – whether that tree is on your property or your neighbor's.

"Unless your neighbor has known that there was a problem with that tree and there's negligence involved, or they just didn't take care of it, your policy is the one that protects you regardless of where that tree comes from,” Newman told me.

The Northwest Insurance Council remind us that your policy will also cover a number other things related to that fallen tree: